Enter your average income below to estimate applicable free-cash in all major European cities. By free-cash we mean your disposable income, left in your pocket after paying tax, rent, insurance, public transport, food expenses and basic entertainment. How does it work?

average income is
₴ 94000
per

Your estimated
City
free-cash

Helsinki , Finland
₴41306
₴42629
₴41489
₴30721
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

You can choose the amount to declare for pension contributions and choose a pension insurance company or a pension insurance fund you prefer to use; or you could opt out of pension contributions altogether. You can find more details on Finnish Centre for Pensions

-
-
-
94 000
municipal
-
-
-
16 692
health
-
-
-
1 269
national
-
-
-
18 106
total
-
-
-
36 067
Employee
22 534
-
79 079
-
health
168
-
1 039
-
municipal
3 691
-
12 873
-
pensions
1 521
-
5 338
-
unemployment
338
-
1 186
-
national
372
-
11 477
-
total
6 090
-
31 913
-
Employer
22 534
-
79 079
-
accident
23
-
79
-
unemployment
146
-
514
-
pensions
3 910
-
13 720
-
health
173
-
609
-
total
4 252
-
14 922
-
Corporate
67 214
94 000
-
-
income
13 443
18 800
-
-
total
13 443
18 800
-
-
Dividends

Finish residents use 75% of income from dividends as a base for income tax.

40 328
56 400
-
-
national
3 883
7 298
-
-
municipal
7 259
10 152
-
-
total
11 142
17 450
-
-
Income
94 000
94 000
94 000
94 000
Total tax
34 927
36 250
46 835
36 067
After tax
59 073
57 750
47 165
57 933
Living cost
16 444
16 444
16 444
16 444
Free-cash
42 629
41 306
30 721
41 489

Estimated living cost  is ₴16444 per week

₴10741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1582
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴262
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴3860
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Source of data for Helsinki model

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